American Express Blue Business Reviews: 400+ User Ratings (2023)

Earn 15,000 points

after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Accepted Credit Scores

Excellent Credit, Good Credit

Annual Fee

Rewards

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.

*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.

Terms Apply

APR on Purchases

0% intro APR for 12 months, 18.24% - 26.24% (V) APR after that

Balance Transfer

Balance Transfers Not Allowed

WalletHub Review

by John Kiernan, Managing Editor

May 23rd, 2023

American Express Blue Business Plus Pros & Cons

0% for 12 months intro on purchases

$0 annual fee

Bonus rewards

High regular APR

Foreign fee

American Express Blue Business Plus Review

4.0 / 5

The Blue Business® Plus Credit Card from American Express is a good credit card for business financing, worthy of consideration from small business owners with good credit or better who could benefit from an intro APR promotion of 0% for 12 months on purchases. Amex Blue Business Plus also has... show more

View 422 User Reviews

American Express Blue Business Plus' Additional Info

cash advance fee	Not Offered
cash advance APR	Not Offered
foreign transaction fee	2.7%
smart chip	Yes, chip-and-PIN
max late fee	$39
max overlimit fee	$0
max penalty APR	29.99% (V)
grace period	25 days

Apply Now

at American Express' secure site

•

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors at account opening.

•

No Annual Fee

Apply Now

at American Express' secure site

Questions & Answers

Can't find what you are looking for? Submit your question about The Blue Business® Plus Credit Card from American Express to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

Does Amex Blue Business Plus have a 20k bonus offer?

Upvotes

Lawrence, Wallethub Credit Card Analyst

@lawrence50

No, the American Express Blue Business Plus Card does not offer a 20k bonus at the moment. The American Express Blue Business Plus card currently offers 15,000 points for spending $3,000 in the first 3 months.

Here's what the American Express Blue Business Plus currently offers:

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
Terms Apply

So, even though the American Express Blue Business Plus 20k bonus offer is not available at the moment, this card is still a great option for small business owners.

Aside from offering rewards, the American Express Blue Business Plus card has a $0 annual fee and it offers an intro APR of 0% for 12 months. This introductory interest rate could help you save on big purchases, but remember not to carry a balance past the 12 months period. Any remaining balance will be subject to an APR of 18.24% - 26.24% (V).

View more answers

Do Amex Blue Business Plus points expire?

Upvotes

Is Amex Blue Business Plus a charge card?

Upvotes

James D richard, WalletHub Analyst

@b2bfever

No, American Express Blue Business Plus isn't a charge card. With this card, you don't have to pay the entire balance in full each month. You can make only the minimum payments.

But you would be better off if you paid it off each month in full, because that's the better way to keep your credit score...

How much is the American Express Blue Business Plus foreign transaction fee?

Upvotes

Chip Lupo, Credit Card Writer

@CLoop

The The Blue Business® Plus Credit Card from American Express foreign transaction fee is 2.7%. This means American Express will add a 2.7% surcharge anytime you use The Blue Business® Plus Credit Card from American Express outside of the United States. The 2.7% fee also applies to online purchases made through an internationally-based merchant.

How can I log in to my American Express Blue Business Plus account online?

Upvotes

Chip Lupo, Credit Card Writer

@CLoop

To log in to your The Blue Business® Plus Credit Card from American Express account, go to the login page on the American Express website or mobile app and enter your username and password in the appropriate fields. Then, click the “Log In” to access your online account. If you don't already have an account, you will need to start by...

How can I get the Amex Blue Business Plus sign up bonus?

Upvotes

Natasha Padilla

@domino_effect45

The Blue Business Plus no longer offers a sign up bonus.

However, they offer 2X Membership Rewards points on everyday business purchases such as office supplies or client dinners. That applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. It's a pretty good offer...

View more answers

How do I get the Amex Blue Business Plus referral bonus?

Upvotes

Olivia Rodgers

@Roliviaaa67

You can get the Amex Blue Business Plus referral bonus by referring a friend via email, social media, or by sharing your personalized referral link. To learn more, go to this page.

Currently, American Express offers 10,000 Membership Rewards points for the referrer. The new member also gets the 10,000...

Does the Amex Blue Business Plus card report to business or personal credit bureaus?

Upvotes

Kelvin Goodman

@kelvin_kel32

As long as you are in good standing, the Amex Blue Business Plus card reports only the business credit.

Otherwise, information may be reported to the personal credit bureaus.

What credit score is needed for American Express Blue Business Plus?

Upvotes

Tanks n Banks

@marder38t

You never want to really go for the absolute closest, you'll get a small limit and high APR (if you get accepted at all). That being said, 700 would be the absolute minimum.

How do I make an Amex Blue Business Plus balance transfer?

Upvotes

David Osborn

@osborn_david

Sure, just call them up and request a balance transfer and then they'll take care of the rest. But don't forget that you will be charged with a balance transfer fee of either 5$ or 3% of the transferred amount, whichever's greater. Good luck!

Compare The American Express Blue Business Plus

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(422)

(857)

(2,880)

Purchase Intro APR0%for12 months

Purchase Intro APR0%for15 months

Transfer Intro APRNot Offered

Transfer Intro APR0% for 15 months|Transfer Fee: 3% (min $5)

Regular APR18.24% - 26.24% (V)

Regular APR17.99% - 23.99% (V)

Regular APR18.99% - 29.99% (V)

Rewards Rate1 - 2 points / $1

Rewards Rate1 - 5% Cash Back

Rewards Rate1 - 3% Cash Back

Apply Now

Terms Apply

Apply Now

Terms Apply

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American Express Blue Business Plus Reviews

Share your insights and review the The Blue Business® Plus Credit Card from American Express

36%

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18%

3.8

422 reviews

What's Your Rating?

surfjk609

July 2, 2021 • @surfjk609

4 Star Rating

Pretty good card for 0% financing, but you can find better 0% deals from personal credit cards and better rewards from other business cards. I'd recommend considering Amex Blue Business Plus, but other options should be in the mix too.

Comment

Joe Rob

November 16, 2019 • @northernpinoak

1 Star Rating

Opened card on 10/17. Card arrived a few days later. I first used the card on 10/28. They then sent a bill with a die date of Nov 22 and a closing date of 10/28. So I didn't even get 30 days with the card before the cycle closed. Clever!

Comment

Thomas Burke

December 6, 2013 • @nick.bentley.319

4 Star Rating

This was a good card for my two small businesses. The point system was kind of fun to spend each year on holiday gifts from their catalog. Amex seems to have the best customer service of any issuer, as long as you pay the balance each month they were always nice to us. There's no annual fee which I'd never pay just for the privilege of doing business with a place, it seems ridiculous. You'll really have to do the math on it versus a cash back card like the One card, but they have so much to pick from it's pretty cool to do holiday shopping at the end of the year if you use it a lot.

Comment

Sharell Ucci

June 27, 2012 • @sharellu

4 Star Rating

The American Express business has helped to build my business, allowing me to make purchases and decisions I otherwise would not have been able to make. It has also helped me to have credibility within the community and with my vendors. When a vendor or other client sees the American Express symbol, the trust factor automatically goes up and there is a much better business scenario. It is almost as if I am a part of a group of trusted business people that have a reputation without having to get to know them. The only disadvantage is having to pay the card off each month, however this save my business untold amounts of interest.

Comment

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Review The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

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